BSA/AML Analyst
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Job Description
BSA/AML Analyst at Acorns conducting investigations on suspicious activities for regulatory compliance. Collaborating with Product and Engineering teams to refine monitoring rules while ensuring ongoing compliance.
Responsibilities:
- Draft and file high-quality Suspicious Activity Reports (SARs) that provide clear, concise narratives for law enforcement and regulators.
- Perform end-to-end investigations into complex customer activity to identify potential suspicious activity, such as money laundering, identity theft, and fraud.
- Compare Know Your Customer (KYC) information to Sanctions and Politically Exposed Persons (PEP) lists to verify false and true positives.
- Analyze transaction patterns and customer profiles to determine if activity is consistent with a customer's known occupation or business purpose.
- Collaborate with the Product and Engineering teams to refine automated monitoring rules and reduce false positives while maintaining high detection standards.
- Stay ahead of emerging financial crime trends and regulatory changes to ensure Acorns' controls remain "game-changing" and effective.
- Assist with internal audits and external regulatory examinations.
Requirements:
- Proven experience in BSA/AML compliance, specifically within a fintech or high-volume financial services environment.
- Strong analytical skills with the ability to connect disparate data points to form a comprehensive view of customer behavior.
- Technical proficiency with AML monitoring software and case management systems.
- Excellent written communication skills, with a focus on precision and clarity in investigative reporting.
- Hunger to deliver game-changing products.
- Exceptional drive and precision in delivery.
- A belief that your work is tied to your life's mission.
- Optimistic about the potential of societal change.
Benefits:
- Competitive salary and stock options
- A comprehensive benefits package for you and your family
- Flexible work location, hours, and paid time off
- 401(k) matching
- Monthly Acorns account contribution & GoHenry account for your family
- Mindfulness and Financial Wellness resources, Headspace and Addition Wealth
- Acorns Career Development Program (Ongoing training sessions, development plans, development check-ins, Cornerstone’s online training platform)
- Roots Leadership Program for Emerging Leaders
- Community week onsite gatherings and various virtual events
- Talented and motivated team members who care deeply about one another, our mission, and our customers.
- The rare opportunity to create a new world. We inspire one another every day to do meaningful work that solves big societal challenges.
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